Cases need help

Case 1: Happiness From Quilting

I’m Đinh Thi Hoa, born in 1981, now a quilter of Nga’s quilt group, Duc Linh district. My family is in the list of poor households of the local authority. We have 5 family members but all costs depend on my small salary from quilting. I have 2 children and an elderly mother. My husband whose health is weak from a liver disease, headaches and a stomach disease, takes medication regularly. Although the medicine he received from health insurance is not working effectively, he still uses it because there is no choice. We have no money to seek treatment at a modern hospital in Ho Chi Minh City. He sometimes feels strong and he can do farming on the rice field. Fortunately I have had my quilting job since 2001. Although my income is not much - average 2 million VND per month (approx EUR 73), I'm very happy because it covers most of our expenses and it is the main source of income in our family. I have wished that if I had enough money, I would take my husband for a diagnosis and treatment at Ho Chi Minh City in order that his health could improve and he would be able to help me earn more income for the family.

Budget to apply:

Making diagnosis = 2.000.000

MRI = 2.500.000

Transportation support for the couple travels between Duc Linh – HCMC = 800.000

Total = 5.300.000 (VND) (EUR193)

Case 2 : Family Of Tran Thi Phuong

Tran Thi Phuong was born in 1977, and has 4 children. Her family has a very difficult situation: The eldest son who had mild mental illness could not go to school and is now living at his uncle’ s home. 3 smaller children also have health problems - one with a heart disease, and one with malnutrition. Her husband, Tran Van Thanh, got tuberculosis 10 years ago, but because the family is too poor to obtain proper treatment, he now weighs only 33kg and his disease has become drug resistant. He is unable to any earn any income, but whenever he gets a little money he has treatment at the hospital. When they run out of money he stays at home. His family has no cultivated land, and the burden of supporting the family has been put on Phuong’s shoulders. She works many different jobs to earn money such as bottles and plastic purchasing, brick making, pig raising, etc. However, her weak health has prevented her from making bricks too much. In spite of the difficult family situation, she could not let the children leave school. But how does she manage the school expenses and still have enough for food? They often have no rice or food to eat and must borrow from their neighbor. Her biggest concern is how to help her husband improve his health? How to help her children continue their studies? And how to prevent herself and children from contracting the contagious tuberculosis from her husband, their father! Currently Thien Chi project site has asked Dr. Le Ba Quang from An Sinh Hospital at HCMC to help Phuong’s husband’s with treatment. Residential treatment in HCMC requires long term relocation which is very costly for the patient and family. With their current economic situation, the family cannot afford to treat the disease. Due to the contagious and high spreading nature of this disease in the community, and especially for Phuong and her children, Thien Chi is trying to seek funds to help this family. We are currently supporting the family with a micro loan of 2 million VND to raise pigs to assist in increasing their income. But what this family needs, is help in the treatment of Thanh’s disease, limiting the spread of the disease in his family and throughout the community.

Budget to apply:

Tuberculosis treatment = 18 months x 2.000.000 = 36.000.000

Transportation expenses = 18 x 400.000 = 7.200.000

Scholarship for children = 2 x 500.000 = 1.000.000

Micro loan = 2.000.000

Total = 46,200,000 (VND) (EUR 1680)

Case 6: The Story Of Mrs Đang

In a small house made from tree leaves and branches - approx 12m2, there is an energetic woman who looks emaciated, and a small boy - Mrs Dang and her son. Her house is located in Binh An hamlet, Long Binh commune, Hau Giang province. She has a difficult family life. Her husband has a disease and has lost his ability to work. The cost of treatment for his disease if approx VND 80M (EUR 2925) and this is a huge costs for her family. It breaks her heart to see her husband in so much pain. She is now has the burden of supporting the whole family on her shoulders. They have 2 sons, the eldest in grade 4 and the youngest in kindergarten. Anh Duong has provided Mrs Dang with work in one of the quilt making groups, and also provided a scholarship support for her eldest son attending school. At present, Mrs Dang's salary in the quilt group is approx VND 2M (EUR 73) per month. She said “this is the best work for me now. It helps me earn money for my family while I can also take care of all members in my family!

Budget to apply:

One health training = 20.000

Scholarship = 500.000

Career training = 3 months x 300.000 = 900.000

Interest free loan = 2.000.000

Total = 3.420.000 VND (EUR 125)

Case 9: Mrs. Nguyen Thi Don, Duc Chinh commune, Duc Linh

Mrs Don was born in 1970. She has 2 children: One is in grade 7 and the other is in grade 5. She is now living with her mother after a long time of being beaten and mistreated by her husband and his family. They have always beaten and insulted her because of her poor health and the fact that she couldn’t earn a lot of money for them. Her mother is old and always sick, so Mrs Don’s has to work to earn money to take care of her mother and herself. Every day, she goes to the company to get 3 kgs of cashew nuts to split open in her home. On average, she earns 18.000 VND/kg (€0.6). When Thien Chi’s staff visited her, we saw that she also has a problem with her health, so we invited her to join our health training group with topics on women’s gynaecology. Throughout this training, we found that Mrs. Don has had a menstrual problem for months, but she didn’t have enough money to obtain a diagnosis and treatment in the hospital. On 25 May, 2013, Thien Chi centre supported a group of poor women to go to Từ Dzu hospital in Ho Chi Minh City for diagnosis, including Mrs. Don. After the medical examination, the doctor asked that Mrs. Don to be admitted to hospital urgently because she has a right ovarian cyst, uterine tumors and severe anemia due to hemorrhaging which has lasted for such a long time. Her condition is life threatening and needs to be treated immediately. Finding the money for this treatment if now her biggest worry!

Budget to apply

Surgical cost =
10.000.000

Health Insurance = 570.000

Total = 10.570.000VND (EUR: 385)

Case 10: Nguyen Thi Cam Tu (1980, Ham Minh commune, Ham Thuan Nam)

Tu has been married twice but is now single and living with her 4 children in a 30m2 house. She got a divorce from her first husband as they were no longer happy. She has alone brought up their 2 children without any allowance from their father. Her second husband who was a running away from the authorities was arrested after her youngest child was born. All of the burden of supporting her family has now been placed entirely on her shoulders. Despite many hardships, she always tries her best to let her children continue at school. Her eldest child is studying in grade 8, and the youngest one is in kindergarten. She works as a casual dragon fruit worker whenever she can find work. Her parents provided her with 200 new dragon fruit trees, but as a result of her needing to find work elsewhere, she has not been able to take good care of her trees and they have become stunted. When asked about what she wished for in life, she said "I only wish for good health to allow me to continue to seek more work and that my eldest child has a bicycle to go to school. He has to walk a long distance of 5 – 6 km or he has to ask his friend for a lift everyday".

Budget to apply

Microloan = 3.000.000

Bicycle for children = 1.500.000

Health
insurance = 570.000

Scholarship
for children = 500.000 x 2 = 1.000.000

Total =6.070.000 VND(EUR: 220)

Case 11: Dinh Thi Thom (1983, Ham Minh commune, Ham Thuan Nam)

There is nothing valuable but an old TV for entertainment in Thom’s corrugated iron roof and mud floor house. This house shelters Thom and her 2 small kids aged 1 and 3yrs. Her husband died of liver cancer when she was five months pregnant. How painful it was for her! The baby was born without knowing his father by sight. After Thom's husband died, her younger sister (23 yrs old) moved from her home town to live with Thom and her children to help them survive. Currently, the lives of Thom and her children depend on the low wage of her younger sister’s casual job. Unfortunately, her sister has now contracted a heart disease but doesn’t go to hospital for her health checks because she is afraid of not being able to afford the costly ongoing disease treatment. Thom is looking after the kids at home, and whenever they sleep, she takes care of her 100 dragon fruit trees – the last assets from her late husband. She said that when her kids are older, she will raise chickens to earn more money. Thien Chi center will support her with no interest loans and raising livestock technique training . She also hopes to have more money to fix the house, cement the floor for her children so they have a clean place to play while she is taking care of chickens and the dragon fruit garden.

Budget to apply

Micro loan = 2.500.000

Health insurance = 570.000

Fixing the house = 7.000.000

Total : 10.070.000 VND(EUR : 366)

Case 12: Truong Thi Tinh (1982, Ham Minh commune, Ham Thuan Nam)

Tinh's house is located at the end of a long track surrounded by luxurious vegetation. She and her 2 children are living with her 61yrs old mother who has a mental illness. When the mother is ill, she usually scolds and kicks Tinh out of the house. She didn't get married but used to live with a partner who left her after having 2 children. She is now taking care of her children aged 13 and 5 yrs and her mother by herself. She has planted 300 dragon fruit trees but they have not been harvested yet. Every day she works casual jobs at other dragon fruit gardens to earn money to support her family. The day when we visited her, the youngest child was in hospital due to a digestive disorder. Tinh's tears rolled down her cheeks as she thought of her child in hospital and of her old mother always scolding and kicking her out of the house. How unfortunate her situation is!

Budget to apply

Scholarship for children = 500.000 x 2 = 1.000.000

Microloan = 2.500.000

Health insurance = 570.000

Total = 4.070.000 VND (EUR : 148)

Case 13: Tran Thi Bich Phuong (1981, Ham Minh commune, Ham Thuan Nam)

Phuong's husband – previously the breadwinner in the family was a casual construction worker until he recently had an accident at work. He has been hospitalized for 2 weeks for the treatment of a ruptured tendon in his hand which had heavy bleeding. Every day Phuong and their 2 children have to look after him in hospital. When his health is better, doctors have prescribed 2 months’ rest in order that the wound is completely healed. Total cost of this treatment is nearly VND 10 million (EUR 367). She has to take care of her husband and also work casual jobs as an assistant construction worker. Her wage is too low to manage all the expenses including the high medical fees. Their 2 children are studying in grades 4 and 1. They are very studious but are at risk of leaving school due to the difficult family situation. There is nothing valuable but a small house with enough cultivated land to plant 100 dragon fruit trees which they have had since they were married. The household income is not stable due to the casual employment and now the burden to support her family rests entirely on her shoulders. How will their lives be? The anxiety of money worries, the children’s education, and the health of her husband is appearing in her exhausted eyes.

Budget to apply

Scholarship for children = 500.000 x 2 = 1.000.000

Health insurance = 570.000

Microloan = 3.000.000

Support medical treatment = 2.500.000

Total : 7.070.000 VND(EUR: 257)

Case 14: Phan Thi Xuan Huong (1979, Ham Minh commune, Ham Thuan Nam)

In a small house with only 30m2, Mrs Hương lives with two her children, one is now grade 9 and the other is grade 7. Her husband died 5 years ago due to liver cancer. Since then, all burdens of the family put on her shoulders when she had to take care of both her children and her husband’s parents. Thank to savings from earning money as an worker for other households who have a lot of dragon trees, she planted 200 dragon trees by herself. But the trees are young and not have the fruits yet. Two her children learn well and grateful to her, when they have free time, they help her to take care of the dragon trees. She said “Although I have to work hard, I am happy with two my children. They always learn well and cared of me”. Mrs Hương also complained that her health is not good, she always has headache and aches when the weather changes, it may be due to the symptoms of the sinusitis disease. She doesn’t dare to seek medical care for fear of costly and highly anxious, because she worries that if she has disease, no one work to earn money to take care of her children and they have no money to pay for the treatment. Disease is always concern of many single mothers, because they are the mainstay of the family which does not have the man! Many women do not dare to seek medical care for fear of his illness, the family will lose pillars

Budget to apply

Micro loan = 2.500.000

Scholarship = 500.000 x 2 = 1.000.000

Health Insuarance = 570.000

Total
budget: 4.070.000 (EUR: 148)

Case 15: Vo Thi Tu (1983, Ham Minh commune, Ham Thuan Nam)

After divorcing with her husband, Mrs Tu and her son (8 years ole) have to come back to her parents’ family to live. Her husband has never provided money for her to take care of their son. Her parents’ house is also poor and have a lot of members, so she and her son have to cook by themselves. Her son is now in grade 3. Every day, after bringing her son to go to school, Mrs Tu works casual jobs at other dragon fruit gardens to earn money. Thank for savings, after a time she could buy a rod of land to grow 100 dragon trees by herself. In 2010, by seeing her difficulty, Ham Minh’s village worker contacted with Thien Chi centre to come to survey and after that provided Mrs Tu with interest free loan of 1.500.000 VND (EUR 55) in order to help her buy compost for dragon trees. At the same time, we also invited her to join in agriculture training to learn more technique of growing dragon trees. Her dream is now to have enough money to build a house for her and her son for living because her parents’ house is small and has a lot of people. But this dream look far for her when she has no a stable job. We just only wish she has a good health to reach her dream!

Budget to apply

Microloan = 3.000.000

Scholarship = 500.000

Health Insurance = 570.000

Total budget = 4.070.000 VND(EUR: 148)

Case 16: Do Thi Hoa (Ham Minh commune, Ham Thuan Nam)

Mrs Hoa was born in 1963. Her husband died more than 10 years ago, but she decided not to remarry although she was young at that time and a lot of men wanted to get married with her. She wants to spend all her time to work and take care of her son. Her son is now the students at the college. After her husband died, she brought her son come back to her parents for living because she and her husband didn’t have the private house. After 4 years, her parents gave her a small land which was enough to build a small house with the support more by the local authority and neighbors. She has only job when other households hire her to take care of their dragon trees. In 2011, Thiện Chí’s staff invited her to join in training course on techniques to raise chicken. After that, she applied for Thien Chi to get microloan to raise chicken. However, because she didn’t have land to build the chicken coop, so she had to borrow coop of her sister for raising chickens. Current income of her family is only €17/person/month. Despite her difficult circumstance, she is happy because her son learns well and very grateful to her. She wished that she has enough health to working until her children finish his learning.

Budget to apply

Micro loan = 3.000.000

Health Insurance = 570.000

Total budget: 3.570.000 VND (EUR: 130)

Case 17: Nguyen Thi Hoa (1955, Ham Minh commune, Ham Thuan Nam)

After a long battle with the severe hypertension, Hoa's husband died in 2012. It took a long time for her to regain spirit after his death. She has worked very hard to earn money to support her 4 children and grandchildren. Her eldest daughter divorced her husband and returned with a grandchild to live in her mother’s house. The 2 middle children have left school and are working as casual workers while the youngest child is still studying in grade 11. Hoa is currently staying at home to take care of 300 dragon fruit trees and she has also received a microloan and training from Thien Chi to raise 2 pigs. At the same time, she has to look after her grandchild while her daughter goes to work as a casual dragon fruit worker. Hoa’s health is not good. She has severe arthritis whenever the weather changes which makes her joints painful and she is unable to do anything. The desire of better health is the most important thing now so she can continue to look after her grandchild and support her youngest child to continue his education.

Budget to apply

Like many other women, Huong dreamt of a happy life with her husband and good children by her side. However this dream was shattered when her husband left her to follow another woman regardless of his 2 small children. Huong has severe goiter – a type of malignant tumor and she goes to the hospital regularly for checks and medication. Life became even more difficult when her 13 yr old daughter was diagnosed with haemophilia. There is just not enough money to afford the costly ongoing disease treatment. In spite of her sickness, the girl is still trying to go to school regularly. Despite her hardship, Huong is trying her best to work to raise money to support the family and purchase medication for both herself and her daughter. Her parents are living nearby, but they are also very poor and cannot help her with anything. Fortunately, the local authority supported her to rebuild their house in order that she and her children have a better shelter to live in. In addition to working as a casual dragon fruit worker, she has also received a microloan and training from Thien Chi to raise 50 chickens to generate extra income. Now she just wishes for better health for both herself and her daughter, so they can live happily together.

Budget to apply

Scholarship
for children = 500.000 x 2 = 1.000.000

Microloan = 3.000.000

Medical
assistance = 1.500.000

Total :
5.500.000 VND(EUR :
200)

Case 19: Tran Thi Anh (1974, Ham Minh commune, Ham Thuan Nam)

Anh got a divorce from her first husband and their daughter is now 16 yrs old. She remained and had another daughter who is now 12 yrs old. Her second husband, who already had 4 children, died of cirrhosis of the liver three years ago. After his death, because Anh didn’t want to haggle with the 4 stepchildren for the land and house, she had to return with her 2 children to live at her father’s house. Currently, they are living in a small compartment which her stepmother always wants to regain. Every day Anh sells sugarcane juice in the market with an income of approx 80,000 VND/ day (EUR 3). With the help of a microloan and training from Thien Chi, she is also raising 40 chickens to sell. This will help to raise enough money to take care of her children. Her eldest daughter left school at grade 10 and the youngest one is studying in grade 6. She hopes to have enough money to provide a separate home for them in the near future.

BUDGET TO APPLY:

Microloan = 3.500.000

Scholarship for children = 500.000 x 2 = 1,000,000

Health insurance = 570.000

Total : 5.070.000 VND(EUR : 184)

CASE 20: Ms. DO THI TIM (1978, Vinh Vien commune, Long My district)

Ms. Do Thi Tim living in Hamlet 3, Vinh Vien commune, Long My district was a poor family in this area. Her husband has left the family many years ago when she was pregnant. She and her daughter live in the isolated area of rice field so there is no electricity in her house. Her daughter, Do Thi Hong Tuoi is studying at 6 grade in the school far away from her house. Last school year, she has got certificate of satisfactory progress in her learning. The project has been assisting her to implement vegetable model by giving free-interest loan. The project is currently encouraging her to do more agriculture models in her little land for increasing income.

Ms.Nguyen Thi Khoa lives in hamlet 5, Thuan Hoa commune, Long My district. She is 36 years old and has two husbands in her life. She used to be beaten by the two husbands and now two of them have gone away. She has 2 sons, the older boy is studying at fourth grade and the young boy is studying at second grade. She and her children are living in the dilapidated house next to the land of her parent. She does not have any land so she has to live in her parent’s land. Every morning, she usually makes the sticky rice and fried banana cakes to sell on her bicycle around the neighbors. The project tried to help her by providing loan to raise pig for income increase. The project also tried to enhance her capacity by providing trainings on pig raising technique and women right against domestic violence.

Ms.Le Thi Thuy Dung living in Phuong An hamlet, Phuong Binh commune, Phung Hiep district is a very poor in this commune. Five years ago, her husband has gone away when he knew that his wife had a serious disease about dermatology and venerology. The doctor in Can Tho hospital said that she had to pay a lot of money to cure the disease but she is very poor. Even her thatched house was collapsed in three years ago and she could not afford to build it again. Now she and her daughter are living with her mother. Her little income from growing vegetable is not enough for her daughter’s learning and she has to suffer the disease a long time without treatment.

BUDGET TO APPLY:

Microcredit: 3.000.000

Scholarship: 500.000

House of mercy: 7.500.000

Medical examination: 2.000.000

Total: 13.000.000 VND (EUR: 466)

CASE 23: Ms. VO THI SEN (1962, Vinh Vien commune, Long My district)

Ms. Võ Thị Sện, 51 years old, lives in hamlet 9, Vĩnh Viễn A commune that is the most isolated commune in Long My district, Hau Giang province. Her husband died in the traffic accident in 2008 and she had to raise two children alone. She did not have any land to implement agriculture model to have stable income. So every day she has to make the rice cakes to sell in the commune market. Her income is about 30.000-40.000 VND/day (1.2 Euro/day). Her house was broken in last rainy season and she moved to live with her son in law. Her young son, Nguyen Hoang Ninh is now studying at ten grades in the school far away from his house. He is a good student who would like to enter university. Now she participates in the micro credit program of Anh Duong to do small business. She wishes she can afford her son to attend university for having better life.

Ms.Pham Thi Hoa, 41 years old, lives in Phuong An hamlet, Phuong Binh commune, Phung Hiep district. Her husband left the family after she just gave birth three month. Her house locates in the remote area so she has many difficulties in traveling to schools and market. The main transport of her family is her old boat and there is no road to access her house. She has 1.000 square meter of rice field so Anh Duong center has supported her to implement the pilot rice-fish model. Besides supporting loan, Anh Duong also supports rice seed, fish, technical trainings to her family. Her daughter now is learning at third grade and she is a good pupil.

Ms.Truong Thi My Le, 48 years old, lives in hamlet 4, Xa Phien commune, Long My district. Her husband left her when she was pregnant in seven years ago. She had to raise two children alone by selling her daily labor for the neighbors and planting vegetables in a little land next to her house. At present, her old daughter got married and lives with her husband far away. Her son is studying in the second grade, and he has walk far to school. The project has supported her family a free interest loan to grow vegetable in the net. Profit from growing vegetable is not enough for their lives so she wishes to have more capital to implement a mushroom model for increasing income. Her leaf house is going to fall down if there is any storm or heavy rain.

BUDGET TO APPLY:

Microcredit: 3.000.000

Scholarship: 500.000

House of mercy: 7.500.000

Total: 11.000.000 VND (EUR: 394)

CASE 26: Ms. LE NGOC THO (1987, Thuan Hoa commune, Long My district)

Ms. Le Ngoc Tho was born in 1987 living in hamlet 5, Thuan Hoa commune, Long My district. She has 2 young children. The old boy is going to attend first grade in this school year and the young gird is 3 years old. From her husband left, she was so hard to raise the two young children. She had to sell her day labor for the neighbors. All daytime, she stays in rice field to cut rice to earn income but it is not sufficient for their lives. Anh Duong center has been assisting her to raise pigs for economic development. Besides, the center also trains her about pig raising technique and gynecological disease preventions.

BUDGET TO APPLY:

Microcredit: 2.500.000

Scholarship: 500.000

Health insurance: 570.000

Total: 3.570.000 VND (EUR: 128)

CASE 27:NGO THI THANH LAN - Village 4, Dakai commune, Duc Linh

Lan and her husband got married and had 3 children together. Suddently, the husband died of cerebrovascular accident in 2009 leaving her with the burden of supporting family (3 children and an old father). A 36 m2 of house with cement floor and brick wall is the shelter of the whole family. In June, 2013 once again the sadness came to her family when the father passed away. After his funeral, she sold a part (25 m2) of their land next her house to pay debts. Now, she is still in debt to state bank with a loan of 25 million VND (approx 892) which spent the school fee, meal and accommodation cost for their children. Her eldest daughter has just graduated from college of accounting, not found a job yet. The second child is still second – year student and the youngest child is at grade 12 of high school. Four members of her family are now depending on 300 m2 of rice field and her salary as a factory worker is about 3.5 millions VND ( approx 125). She got the loan from Thien Chi centre at 10th cycle of micro loan and supporting in agricultural technique, the income of the family has increased slightly. She hopes to have extra money for her children continuously following their studying and pay the loan from the bank

Budget to apply:

Micro loan = 4.000.000

Scholarship= 500.000

Health insurance = 625.000

Total: 5.125.000 (EUR 183)

CASE 28:NGO THI THU THUY - Village 4, Dakai commune, Duc Linh

Her household is extremely poor household of the commune. They had four children together, all of them are going to school. In 2006, the husband was suffered from stomach cancer and died 2 years later after lots of effort of costly medical treatment. The burden of supporting for 4 school – aged children and a great debt from bank and their relatives has placed on her thin shoulders. She had to sell 6 m2 of land to pay bank’s loan. Then, because she wanted their children continuously follow their schools, she had to get another loan from the state bank again, the loan is now up to more than 51 millions VND (1820). She used the loan to spend on children’s school fee, meal and accommodation cost. Currently, Thien Chi has also kept on supporting her with micro loan and agricultural technique to take care of their rice field. Besides, Thien Chi also granted 2 scholarship with cost of 2.5 million VND (90) to encourage her children trying their best in studying. She only wishes that her health is better to earn money for paying all debts and their children will keep on their studying

Budget to apply:

Micro loan= 4.000.000

Scholarship=2.000.000

Building house =10.000.000

Total: 16.000.000(EUR 571)

CASE 29:TRAN THI XUAN (1967) - village 5, Dakai commune, Duc Linh

They got marriage and had 1 child together. The husband died of liver cancer in 1998 leaving her with the burden of supporting family and a debt of 70 million VND (2,500). Now, she still owes her relatives about 18 millions VND (643). She got remarriage and had another child in 2000 but this marriage lasted just 7 years when separated. Since then, she and 2 children moved to Dakai commune to live and earn money to pay the rest of debt. Besides working as a seasonal trader of agricultural product, she is also raising 1 sow and taking care of 100 m2 of rice field. Her two children are at grade 12 and grade 7, both are very obedient and studious. Thien Chi has supported the family with micro loan at cycle 7. However, her health is not good because of gallstone prevented her working so hard. She wishes that she has more money to raise chicken and it’s better to have a health insurance to reduce medical treatment cost.

Budget to apply:

Micro loan= 4.000.000

Scholarship = 500.000

Health insurance = 625.000

Total: 5.125.000 (EUR 183)

CASE 30: NGUYEN THI BICH HOA (1979, Duc Chinh commune, Duc Linh)

The whole family of three members depends on Hoa - the wife’s low casual job’s salary. The husband who is paralytic caused by a labor accident 3 years ago need using medical treatment monthly. Now, the burden of supporting family is placed on Hoa’s shoulder, only she is both taking care of her husband and daughter and earning money to expense living cost. Her parents gave them 200 m2 of rice field to grow rice. Thien Chi has supported with micro loan and technique. She wishes to have more money to treat for her husband until he can sit on wheelchair and her daughter will keep on her studying.

Budget to apply:

Micro loan = 3.000.000

Scholarship = 500.000

Health insurance= 625.000

Accident insurance =56.000

Total: 4.181.000 (EUR 149)

CASE 31: NGUYEN THI THANH THUY - Duc Chinh commune, Duc Linh

Thuy was born in 1978, got marriage and had 2 children. However, the husband died of sickness 7 years ago leaving her the burden of supporting family with 2 young children. She has to work many jobs to earn money such as: making steamed rice pancake, noodle but the income is not good, just 50.000 VND per day (1.80). Her eldest child is a second – year student and the second one is at grade 10. The school fee, living cost and debt but just a very low income job make her life more difficult. Currently, Thien Chi has supported her with micro loan and livestock technique to raise chicken. Unfortunately, the bird flu epidemic eventuated in the deaths of almost chicken. Hopefully, she will get more support from charity organization in order that her children can keep on their studying.

Budget to apply:

Micro loan = 4.000.000

Scholarship = 500.000

Heath insurance = 625.000

Accident insurance = 56.000

Total: 5.181.000 (EUR 185)

CASE 32: TRAN THI THUY TRANG (1975) – Duc Chinh commune, Duc Linh

Tran Thi Thuy Trang was born in 1975, now living with her daughter only. Four years ago, she got divorce from her husband because she couldn’t bear the domestic violence. She and her child moved to her own mother’s family, however, her parents were also too difficult to help her anything but gave her a building land of 32 m2 to build a cottage and 200 m2 of rice field. In December, 2012 the local authority had supported her to build new house. Trang’s health is not very good because of contracting with arthritis, stomachache and sinusitis, so she just works casually at home such as cashew nut peeling and raising pig which Thien Chi supported with micro loan and livestock technique. The higher school fee and studying cost when her child moves to higher grade makes her worrier. She hopes to receive more support from charity organization.

Budget to apply:

Micro loan= 4.000.000

Scholarship= 500.000

Health insurance = 625.000

Accident insurance = 56.000

Medical treatment = 4,000,000

Total: 9.181.000 (EUR 328)

CASE 33: Le THI BAY (1968) – Duc Chinh commune, Duc Linh

People at Duc Chinh commune are very familiar with image of Le Thi Bay (born in 1968) riding old bicycle to work as casual job and bring up 2 children. Her husband died of cancer 4 years ago. She had to sell their own land and rice field and get a loan of 40 million VND (1428) from a bank to pay the husband’s medical treatment cost. However, she couldn’t afford to pay the loan with high interest rate after many years. Her house was distrained by the bank. She and her children are homeless and living with her brother’s house. Thien Chi has supported her with micro loan and agricultural technique to grow rice. Her biggest wish is a warm own house for her two children, especially in coming rainy season

Budget to apply:

Micro loan = 3.000.000

Scholarship= 1.000.000

Accident insurance = 56,000

Building house = 20,000,000

Total: 24,056,000(EUR 860)

CASE 34: LUONG THI MY HANH (1968) – Duc Chinh commune, Duc Linh

Lương Thị Mỹ Hạnh was born in 1968 at Đức Chính, Đức Linh. Many years ago, her husband died of sickness leaving her the burden of supporting family and 2 young chidren. The whole family of 3 members now depends on 200 m2 of rice field. Thank to participate in the micro loan program of Thien Chi, she has had more money and technique to invest in growing rice. She hopes her children are supported with scholarship to keep on their studying and increase loan to raise extra pig or chicken.

Budget to apply:

Micro loan = 4,000,000

Scholarship= 1,000,000

Health insurance= 625,000

Accident insurance = 56,000

Total: 5.681.000 (EUR 203)

CASE 35: VO THI LOC - Duc Hanh commune, Duc Linh

Her husband died of blood cancer 14 years ago leaving her the burden of supporting family and 2 children. Only she has worked as casual worker. Her eldest son born in 1995 left school at grade 10 and found a job as a worker to earn money to help his mother. However, he is contracted with ganglion getting monthly medical treatment at Tumor Hospital. She is herself contracted with obstructed blood vessel causing her arm very weak. Currently, Thien Chi has supported her with micro loan and technique in raising sow. Besides, her daughter at grade – 4 also got a scholarship of 500.000 VND (18) to encourage her studying continuously. She hope to have more money to invest in raising pig and her children are supported with scholarship to keep on their studying.

Budget to apply:

Micro loan = 4.000.000

Scholarship= 500.000

Medical treatment=3.000.000

Total: 7.500.000 (EUR 268)

CASE 36: DANG THI LE – Duc Hanh commune, Duc Linh

Her household is an extremely poor household of the commune. Her husband died of dengue fever 14 years ago leaving the burden of supporting family and 5 children. Now, her 3 eldest children have their own family, two younger children are still going to school. She is herself contracted with spinal degeneracy which cann’t do heavy works. Thien Chi has supported her with micro loan and a cholarship of 500,000 VND (18) to encourage her children’s studying continuously. She hope to have more money to invest in raising pig and her children are supported with scholarship to keep on their studying

Budget to apply:

Micro loan = 3.500.000

Scholarship = 500.000

Total: 4.000.000 (EUR 143)

CASE 37:LE THI BE – Duc Hanh commune, Duc Linh

Mrs Be’s husband died 8 years ago due to the cirrhosis of liver diease. They have 3 children and without any land for growing. After her husband died, Mrs. Be had to do a lot of work to earn money to take care of 3 children and send them to go to school. This is a not simple reponsibility for a women without stable job and the asisstance of her family. Recently, She has hired 2 rods of land to growing rice and besides that she has gone to work at cashew nuts workshop for the local company everyday to earn 50.000 – 60.000 (1.8 – 2.1). When we visit her family, she complained that with the earning from cashew nut working, she only have enough money to buy food everyday for her family and save a little bit for her children’s school fee. So, she wished she has money to buy fertilizer for paddy rice and she also hoped that Thien Chi will provide her children with the scholarship for every school year which helps her to reduce worry for the children’s future

Budget to apply:

Micro loan = 4.000.000

Scholarship = 500.000

Total: 4.500.000 (EUR: 161)

CASE 38: NGUYEN THI NGOC – Duc Hanh commune, Duc Linh district

Mrs. Ngoc and her husband divorced 4 years ago due to a lot of contradictions in their life. After that, her husband got married with another women and hasn’t provided anything for their children. Mrs. Ngoc has to do varieties of work to earn living and take care of 2 her children. Both of her children are now going to school. Her first son is now in grade 6, his health is very weak because he has different diseases: stomach disease, parasites dog, mental illness. She always has to bring her son to go to hospital for diagnosis an treatment which has to spend a lot of money. Mrs. Ngoc hope Thien Chi provides her with interest free loans to raise chicken and a partial money for treatment for her first son.

Budget to apply:

Micro loan = 4.000.000

Scholarship = 1.000.000

Disease treatment = 4.000.000

Total: 9.000.000(EUR: 322)

CASE 39: LE THI THANG - Duc Hanh commune, Duc Linh district

Her family is very difficult. Her husband died 4 years ago due to a stroke. Everyday, she rides a bicycle to sell thin cakes (bloating fern-shaped cakes) along the street to earn living for the whole family with an old mother (84 years old), an old brother with mental illness, an old sister with chronic pneumonia disease and 1 child under school age. All burdens of the family put on her shoulders. 2 years ago, Thien Chi’s staff and village workers came to survey and after that we provided Mrs Thang with interest free loan of 1.500.000 VND (55) in order to help her start with selling cakes. After 2 year of micro loans, her family income has increased from 300.000 VND (10.7) to 512.000 (18.3). Last month, when we visited, Mrs. Thang said that she wanted to borrow more micro loans to sell more cakes and raise 1 female pig and 2 rods of rice which she has just hired from other family. She also hope that Thien Chi will provide her children with the scholarship in the school year.

Budget to apply:

Micro loan = 4.000.000

Scholarship = 500.000

Total: 4.500.000(EUR: 161)

CASE 40: LUONG THI MY DUNG – Village 6, Duc Tai commune, Duc Linh

Although she was born in 1985, she look likes an 40 years old women. It is easy to see Mrs. Dung along the street with lottery ticket. Her main job is selling the lottery ticket arround the village and commune everyday. She got married when she was 20 years old. At that time, she thought to be a happy woman with a good husband. They worked very hard and only a short time they could build the new house. The life was so happy when they had two daughters…But one day, her husband died in a terrible motobike accident 5 years ago. She said “I lost ground for and couldn’t do anything a long time after that. I felt I lost all my life”. Since then, she started a hard life to earn living and take care of her two children without the support from her husband’s family. Due to weak health, she can’t work hard, so she can only buy the lottery ticket and sell for other people in the community. Before, she can rode the bicycle along the street to sell lottery and got higher income, but recently she has only walked because she always feel so sick that she can’t ride the bike which made the limitation of her income. On average, her income is only 50.000 VND (1.7) per day, “it is only enough for me to buy food and medicine for me and my daughters”. She worries for the future of her chidren because she feel not enough effort to send them to go to school although her children learn very well and they love going to school. 2 months ago, her parents gave her 2 rods of growing land although they are also very poor. She is very happy, but she is also worry because she doesn’t have money to invest for the paddy rice. She asked the neighbours for the loans but with high interest. We hope to help her overcome the difficulty!

Budget to apply:

Micro loan = 3.500.000

Scholarship = 500.000

Health Insuarance = 621,000

Total: 4.621.000(EUR: 165)

CASE 41: LE THI ANH TUYET – Duc Tin commune, Duc Linh

Mrs. Tuyet was born in 1980. She got married 2 times but finally divorced all. She is now taking care of her two children without the support of any husband. Before she has no stable job. She worked for any family who hired her as worker such as growing rice, harvest cassava trees, splitting cashew nut. One year ago, Thien Chi provided her with interest free loans of 2.000.000 VND (71.4) which helped her have capital to start a small business with buying and selling recycling plastic. Her income at that time was only 325.000 VND (11.6), but after 2 circle of loan her income has increased 406.000 VND (14.5) per person/month. She has just bought one more rod of growing land and wants to borrow more money from Thien Chi to invest seeds and fertilizer for growing rice. She is confident to tell us “I am try my best to be independent in my life and no need the support of any man

Budget to apply:

Micro loan = 3.000.000

Scholarship = 500.000

Total: 3.500.000(EUR: 125)

CASE 42: PHAM THI HUE - Duc Tin commune, Duc Linh

Mrs Hue was born in 1963. She divorced her husband more than 10 years ago. After that, she decided not to remarry because she wants to spend all time to work and take care of 2 her children. Her family only has 2 rods of cassava trees. Besides growing the trees, she works as worker for another households when they hire her. 8 years ago, her son got married and had one child. After that her son also divorced with his wife. The child is now taken care by grandmother – Mrs. Hue. Although her health is not good, she tries to do everything to earn money to pay school fee for her daughter and take care of her granchild. When we visited her family, Mrs Hue said that “Currently, my health is weaker, I couldn’t go far for working. So I want to buy more interest free loan for growing more cassave trees and raising chicken at home”. She also hope her grandchild will have a scholarship in the school year because his parents haven’t provided him anything. Mrs. Hue sighed and said “I have 3 children instead of two”.

Budget to apply:

Micro loan = 4.000.000

Scholarship = 500.000

Total: 4.500.000(EUR: 161)

CASE 43: NGO THI HOA - Duc Tin commune, Duc Linh

Mrs. Hoa was born in 1972. Like many other women, Mrs. Hoa dreamed of a happy family. However, this dream was shattered when her husband left her and 3 children to follow another women in 2002. And, he has never provided any thing for his 3 children. Since, Mrs. Hoa had to work varieties of work to earn living for the whole of family. Her parents are living nearby, but they are also very poor and cannot help her with anything. Mrs. Hoa’s family doesn’t have any land for growing, she can’t hire land from other people. In 2008, Thien Chi started to support her with interest free loan of 1.500.000 VND (53.5) in order to help her to open a small vegetable shop in the market. Her family income was initial 150.000 VND (5.3) per person/month, and now is 563.000 VND (20.1) per person/month (increased 3.7 times). Although the income has increased much, but she said that she can’t have enough efford to send all of her to continue to go to school because of higher school fee and many other costs such as uniforms, books, additional cost for school. She has intention of asking the eldest child to stop school and go for working to help her to take care of 2 other children in next school year. That is not her expectation because she wants all her children to go to school which help them have a better future. She hope Thien Chi will provide her eldest child with the scholarship which allow her to continue to go to school

Budget to apply:

Micro loan = 4.000.000

Scholarship = 1.000.000

Total: 5.000.000(EUR: 179)

CASE 44: HUYNH THI KIM TUOI - Duc Tin commune, Duc Linh

Since born, Mrs. Tuoi was an unhappy child with crippled legs (difficult to move). Her childhood was very miserable. She has ever dreamed of a good husband and happy family. And, one day she got married with a man. The happy time was not so long. When their son was born with also crippled legs, the husband became bored and left her and their son only a short time later to follow another woman. Due to angry with the unfaithful in love husband, she named her son is Hoai Han (it means that “hatred forever”!). In April 2013, after visiting and making the survey, Thien Chi provided Mrs. Tuoi with interest free loan of 1.500.000 VND (53.5) to invest for growing rice. After 2 circles of loan, her family’s income has increased 10.7%. Next time, she wishes to have more money to expand the square of rice land, and hope that she and her son will have health insurance which help them save the money for medicine.

Budget to apply:

Micro loan = 3.000.000

Scholarship = 500.000

Health insurance = 621.000 x 2 = 1.242.000

Total: 4.742.000(EUR: 169)

CASE 45: TRAN THI THANH PHI - Duc Tin commune, Duc Linh

Mrs. Phi was born in 1965. Her husband died in 2013 due to liver cancer. She has 3 children, and all of them are going to school. All of the burden to support the family was now on her shoulders after her husband died. In March 2013, Thien Chi provided her with an interest free loan for economic development. She has used this loan for investing 1 rod of rice and 4 rods of cassava trees. Three her children learn well and when they have free time, they like to assist their mother take care of the paddy lands. Sometimes, her children can work outside to earn money to pay for their school fee. Mrs. Phi is very proud of their children and said us that “Although I have to work hard, I am happy with three of my children. They always learn well and cared of me”. She hope her health is always good so that she can work more and more to earn living and take care of her children

Budget to apply:

Micro loan = 3.500.000

Scholarship = 500.000

Accident insurance = 125.000

Total: 4.125.000(EUR: 147.3)

CASE 46: LUONG THI BAN - Duc Tin commune, Duc Linh

Mrs. Ban was born in 1975. In 2002, her husband died by a motobike accident. After her husband died, she decided not to remarry although she was very young at that time. She wants to spend all time to work and take care of her husband’s mother and 2 children. Her family only has a rod of rice and 3 rods of cassava trees. Because there is not enough money to invest for the land, so the quality and quantity of the harvests are very low, sometimes lost. In the early of 2013, Thien Chi’s staff and village worker visited her family and gave her advice for agriculture techniqua. After that we invited her join in the agricultural training which our staff organized monthly with the participation of many poor farmers. Mrs. Ban joined in the training later and learned more technique to grow cassava trees and rice. Together with the training, she was also provided with interest free loans of 2.000.000 VND (71.4)which is used for buying more seeds and fertilizers for trees. Her wish is now that she has enough efford to work to earn money to take care of her old mother and let 2 her children continue to going to school.